Under California Insurance Code section 1861.05(b), most property and casualty insurers seeking a rate change must submit an application that includes various financial information and “such other information as the commissioner may require,” including what the Department of Insurance describes as “underwriting rules.” “Underwriting rules” are “any rule or factor used by an insurer in the process of examining, accepting, or rejecting insurance risks, and classifying those risks selected in order to charge the proper premium for each.”1…Continue Reading California Department of Insurance Issues Opinion That Underwriting Rules Submitted By Carriers Are Public Information

the insurance company’s prior position, or positions (e.g., did it accept or deny coverage?),

how it expressed that position, or positions (e.g., did it accept coverage under a reservation of rights, or did it deny coverage based on a specific ground and reserve its right to assert other grounds for denying coverage?),

We’ve probably all heard the suggestion that the end of the year, or beginning of a new year, is a good time to review various aspects of our lives, including our financial security. Among such things to consider are our insurance policies and coverages. Such a review, however, is only as beneficial as the diligence with which it is performed. In that regard, we sometimes overlook the most basic considerations. In the area of insurance, that can be costly. For instance, while it’s a good practice to review the types and amounts of insurance coverages you have and need, when is the last time you checked the financial stability of your carrier, or even more basic, its compliance with insurance statutes and regulations?…Continue Reading When Was the Last Time You Reviewed Your Insurance Policy, and Company?

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Established in 1985, Merlin Law Group is a leading insurance litigation law firm committed to assisting policyholders receive fair and just outcomes from their insurance companies. Property insurance law is a highly complex and specialized area of law and our firm represents policyholders when claims are denied, delayed or underpaid.